Earlham Savings Bank
Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 9.3.
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Good (6.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Securities (32%), comm re (14%), home mtgs (13%), cash (9%), comm loans (6%), home eq lns (2%), consumer loans (2%), other (22%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
7300 Lake Drive
West Des Moines, IA 50266
West Des Moines, IA 50266
Phone Number
(515) 223-4753
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.